The Roth vs Traditional decision depends on one question: will your tax rate be higher now or in retirement? This calculator shows the math for your specific numbers — including what happens when you add a Bitcoin allocation inside the Roth.
The key insight: if you expect to be in a higher bracket in retirement than today, Roth wins. Bitcoin inside a Roth amplifies this advantage — high-growth assets benefit most from tax-free compounding because the tax savings grow with the balance.
Not tax advice. Consult a CPA for your specific situation.